I downgraded mine as far as I could, I'd sooner have got none. Dell's customer services have never been any more than atrocious where I've been involved. Way I see it, that's one of the reasons they're so cheap, so I don't really mind.
For a home user, if you plan to upgrade it these warranties tend to be a poor choice... I'd invalidated much of mine after 2 days anyway by replacing bits. And you're unlikely to want to leave most Dells standard for 3 years, I'll tell you that...
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"We are the angry mob,
we read the papers every day
We like what we like, we hate what we hate
But we're oh so easily swayed"
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